This smart Messenger app helps you save automatically for the important things - here's how it works

We all know we should be saving money and put savings aside; for a rainy day fund, a house, retirement, as well as for your little ones and their future.

It can be tricky to know how much to put aside, keep track of your spending, figure out your budget and remember to actually do all the above every day/week/month/year as your finances change along with your life. As a busy parent, that can be even harder.

Luckily, there’s an easy way to put money aside automatically and always in tune with your income and spending: Plum.

Recommended by Financial Times, BBC, and Money Saving Expert and with over 200,000 users in the UK.

Here's how it works:

1) You link Plum to your bank account so it can analyses your spending patterns and income. Using this, Plum calculates how much you can save without impacting your lifestyle.

2) Plum then puts small amounts aside automatically every few days which quickly add up to a nice stash. It is clever enough to never take you on overdraft and can actually help you save to get out of your overdraft if you want it to - just type 'overdraft'.

3) Even though it is automatic, you can still adjust how much you want to save or if needed pause for a period of time.